Mandatory use ofa simple mortgage disclosure formwould make borrowers better able to protect themselves by understanding what the mortgage really means to them, andpromote a more efficient mortgage finance system.

To the students of history, the vicious cycle around the bust is all too familiar.

The optimistic forecasts of subprime recovery have not panned out.

The subprime boom is over; the bust is here.

In order to overcome the subprime mortgage bust, we must help borrowers to become more competent and informed.

Those burned in the subprime lending bust thought they could manage risk, but they neglected to consider the human factor.

The subprime mortgage bust and why "liquidity" is often a misleading metaphor.

In less than twenty-five years, government “affordable housing” and other housing policies have turned a healthy market into a financial ruin. Until Fannie and Freddie’s market dominance and the government’s role in the housing finance system are substantially reduced or eliminated, the United States will continue to have an inferior and unstable housing market.